"Classic cars definitely complicate things too... insurers already see them as higher-risk or higher-value policies."
Yeah, that's spot-on. I've seen similar situations with friends who own vintage rides—insurance companies really don't mess around when it comes to DUIs combined with specialty vehicles. One friend had a restored Mustang, and after his DUI, he practically had to jump through hoops just to find coverage. Eventually, he did find a policy, but the premiums were brutal for several years. Definitely makes you think twice about taking risks behind the wheel...
Yeah, classic cars definitely add another layer to the whole DUI mess. I had a client a while back who drove a mint-condition Corvette from the 70s—beautiful car, but after his DUI, it became a nightmare trying to keep it insured affordably. His previous insurer dropped him immediately, and the few companies willing to take him on wanted premiums that were through the roof. He ended up garaging it for almost two years just because the cost was insane. Eventually, he found a specialty insurer that gave him a semi-reasonable rate, but even then, it wasn't cheap.
Makes me wonder if some states handle DUIs differently when it comes to classic or collector vehicles... Idaho might be similar to what I've seen here in Colorado, but maybe it's not as harsh in other places?
Yeah, you're spot on about classic cars complicating things. From what I've seen, Idaho insurers aren't exactly forgiving either—DUI hits premiums hard no matter the vehicle. Maybe specialty insurers are a bit more flexible, but honestly...is it really that much better?
Yeah, that's pretty much what I've noticed too. Specialty insurers might seem like a decent option at first glance, but honestly, they're not exactly a magic bullet. My coworker went that route after his DUI, and while the initial quote looked promising, once they factored in mileage limits and usage restrictions, it wasn't really worth the hassle. Plus, if you're using the car daily, specialty coverage isn't always practical...just something to keep in mind.
Yeah, specialty insurers can be tricky...have you checked if your current insurer offers any forgiveness programs or discounts for completing a defensive driving course? Might soften the blow a bit, at least temporarily.
